Medicare services — Madison, WI

Medicare Part A (hospital insurance) is often premium-free if you or your spouse paid Medicare taxes for a qualifying period. However, Part B (medical insurance) typically has a monthly premium, and this cost can increase for those with higher incomes. It's not entirely free for most in Madison.

Medicare is the federal health insurance program primarily for people aged 65 and older, as well as younger individuals with certain disabilities or End-Stage Renal Disease. It helps cover costs for doctor visits, hospital stays, and prescription drugs.

Original Medicare generally doesn't cover routine dental care, eye exams for glasses, hearing aids, most long-term custodial care, cosmetic surgery, or most services received outside the United States. Many Madison residents consider supplemental plans for these areas.

To be eligible for Medicare, you typically need to be 65 years or older and a U.S. citizen or legal resident for at least five continuous years. You may also qualify if you have a qualifying disability or End-Stage Renal Disease, regardless of your age.

Your monthly Medicare expenses depend on which parts you enroll in. Part A is often premium-free. Part B has a standard monthly premium, which can be higher for individuals with higher incomes. Part D premiums vary by plan choice. We can help estimate costs for Madison.

Individuals with higher incomes pay an Income-Related Monthly Adjustment Amount (IRMAA). Your specific premium in Madison will depend on your adjusted gross income from your tax returns.